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Cash advance cost estimator

Watch a cash advance multiplier become real dollars: total repayment and the cost of capital.

Adjust the amount, multiplier, and repayment pace to see the total cost.

File strength

Shows where similar files tend to price. What typically makes a file strong: time in business, revenue stability, credit history, and any financing you already carry. Stronger files price lower in the range. Industry pattern, not a quote.

Repayment method
Share of sales 12.8%

You receive$50,000
You repay$61,500
Estimated payment~$296 / selling day
Estimated cost$11,500
More details
Repayment multiplier1.23x
Estimated term At 12.8% of sales; more time lowers the shareAbout 8 months
Estimated annualized cost~69% / yr

Estimate only. A partner's written offer controls.

How this estimate works

Actual amounts and terms are set by independent funding partners. Your offer will depend on revenue, time in business, and other factors. The ranges shown are industry market data as of Jul 2026, not OpenQuote partner pricing. Ask for every partner fee in writing.

Inputs and payment: Repay as you sell. The calculator uses monthly sales and 26 selling days to show an average day. Monthly sales are used only for this estimate and are not saved. Average per selling day at 12.8%

Price context: 1.23 on $50,000 means $61,500 back in total. Industry market range at this term: 1.15x to 1.48x, centered near 1.23x (public market data, Jul 2026). Not OpenQuote pricing. Across the market, stronger files land lower in the range. Files like this typically land between 1.19x and 1.36x at this term (industry pattern, not a quote). This is a typical market shape: the holdback, price, and term all sit where most advances land (the market averages about 8 months). The 1.23x price sits right at the market center for this term.

Sales-share estimates: The calculator solves the same repayment identity from amount, multiplier, monthly sales, and either a share of sales or a payoff period. The documented average payoff period is 8 months. At the current sales level, the contextual share band is 8.7% to 13.1%, centered near 10.9%.

Annualized cost: This is computed on the declining balance, the way loan costs are usually compared. Simple division against the full advance reads about half as high and is not the comparison used here.

  1. KBRA, Fora Financial Asset Securitization 2024-1 (Aug 2024): weighted average factor 1.34x, 13.6 month original term, on a funded portfolio.
  2. KBRA, KCG Securitization II Series 2026-1 (Mar 2026): weighted average factor 1.32x, 13.6 month original term.
  3. DBRS Morningstar, BasePoint MCA Securitization 2023-1 (Dec 2023): portfolio average 1.32x; eligibility floor 1.265x.
  4. New York Attorney General v. Yellowstone Capital (filed 2024, judgment 2025): contract holdback tables from 10 to 15 percent up to 49 percent on stacked positions.
  5. People v. Richmond Capital Group (NY, affirmed 2026) and Fleetwood Services v. Ram Capital (2d Cir 2023): contract factors around 1.5 on short predatory terms.

Educational market data with full citations on file. Not OpenQuote partner pricing, and not a quote.

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